in one sense you had, yee i think things will get better. and if you look at industries, the world coming to an end. we get this agreement businesses hire more. businesses invest more. make up for lost time. and that adds to income. and i think we are off to the races. >> joel, we have argued on this show, and maybe we are outliars, that even if we went over the fiscal cliff, it is not going it doom us. 2 to $300 a month for the average american household, i'm not discounting that, they have probably saved that. refying mortgage, lower credit card rates, lower car rate, right? >> first of all, you have to look at it, not as a cliff but a snowball going down the mountain. the snow bowl has been let go. so niesh initially you won't have major issues. what happens to confidence? if confidence crashes, you have outside impact. you say, hey, this thing is getting very bad, congress doesn't know what it is doing. i'm cutting back. then the snowball hit on consumer spending with weakness in the business side and then you have real problem because t